Rates

Savings Accounts

Money Management Accounts

IRA Accounts

Loan Rates

 Real Estate Loans

Mortgage Rates

 

 

Savings Rates

Share Type

Minimum Dividend Balance

Dividend Rate

Annual Percentage Yield*

Div. Period

 Share/Open Deposit ♦

$25 

 .05

 .05

MO 

Christmas 

 $25

 .05

.05

MO 

Escrow 

 $25

 .05

.05

MO 

 Share Draft

 $2500

 .05

.05

MO 

  Health Savings
Share Draft

Non-Interest 

 

 

 

 3 Month Certificate ♦

$500 

 .15

.15

 MO

6 Month Certificate ♦

$500 

.25 

.25

MO 

 12 Month Certificate ♦

$500 

 .30

.30

MO 

 18 Month Certificate ♦

$500 

.30

.30

MO 

30 Month Certificate ♦

$500 

.40

.40

MO 

48 Month Certificate ♦

 $500

 .85

 .85

MO 

Money Management Accounts

Health Savings Money Management Accounts

 $25 - $2999.99

 .05

 .05

 MO

 $3000 - $7499.99

 .10

 .10

 MO

 $7500 - $14999.99

 .15

 .15

 MO

 $15000 - $49999.99

 .20

 .20

 MO

 $50000 & Over

 .25

 .25

 MO

Individual Retirement Accounts

 Share Type

 Minimum Dividend Balance

 Dividend  Rate

 Annual Percentage Yield *

 Div. Period

 IRA Open Deposit

 $25

 .10

.10 

 MO

 12 Month Certificate

$500 

.30

.30

 MO

 12 Month Certificate

$15000 

.30

 .30

 MO

 12 Month Certificate

$25000 

 .30

.30

MO 

 18 Month Certificate

$500 

.30

.30

MO 

 18 Month Certificate

$15000 

.30

.30 

MO 

 18 Month Certificate

 $25000

.30

.30

MO 

 30 Month Certificate

$500 

 .40

.40 

 MO

 30 Month Certificate

$15000 

.40

.40

 MO

30 Month Certificate

$25000

.40

.40

MO

48 Month Certificate

$500

.85

.85

MO

48 Month Certificate

$15000

.85

.85

MO

48 Month Certificate

$25000

.85

.85

MO

* Annual Percentage Yield as of the last dividend declaration date. 

*Savings rates effective as of December 31, 2013

*All rates are subject to change without notice. 

♦ Includes Health Savings Accounts (HSA)

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Loan Rates
INDIVIDUAL CREDIT SCORE MAY AFFECT POSTED RATE
RATES MAY CHANGE WITHOUT FURTHER NOTICE

Titled Collateral •

TERM
NEW Payment
/$1000**

2015
2014
2013

Payment
/$1000**

2012
2011

Payment
/$1000**

2010
2009
2008

Payment
/$1000**

Older

Payment
/$1000**

  APR*  

APR*

 

APR*

 

APR*

 

APR*

 

24 MO

3.09% $43.02

3.09%

  $43.02 

 4.00%

 $43.43

4.75% 

$43.76

5.75% 

$44.21

36 MO

3.50% $29.30

 3.50%

 $29.30

 4.25%

 $29.64

 4.99%

$29.97

5.99%

$30.42 

48 MO

3.75% $22.47

3.75% 

$22.47

 4.50%

 $22.81

 ----

 ----

---- 

---- 

60 MO

3.99% $18.42

 3.99%

 $18.42

 ----

 ----

 ----

 ----

 ----

 ----

72 MO 3.99% $15.65 --- --- --- --- --- --- --- ---

Registered and Other Collateral •

TERM

NEW

Payment

/$1000**

2015
2014
2013

Payment
/$1000**

2012
2011

Payment
/$1000**

2010
2009
2008

Payment
/$1000**

Older

Payment
/$1000**

  APR*  

APR*

 

APR*

 

APR*

 

APR*

 

24 MO

5.39% $44.05

 5.39%

$44.05

 5.99%

$44.32

6.79% 

$44.68

7.99% 

$45.22

36 MO

5.59% $30.24

5.59% 

$30.24 

6.25%

 $30.54

 6.99%

$30.88

8.50%

$31.57

48 MO

5.79% $23.39

5.79% 

$23.39

6.50% 

 $23.72

---- 

 ----

---- 

---- 

60 MO

5.99%

$19.33

5.99% 

 $19.33

 ----

 ----

 ----

 ----

 ----

 ----

72 MO 5.99% $16.57 --- --- --- --- -- --- --- ---

** MONTHLY PAYMENT IS BASED ON PRINCIPAL 
AND INTEREST PER $1000 FOR RATE AND TERM

 • Loan Exception - Additional .5%               * APR = Annual Percentage Rate

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Mobile Home •
Balloon Rate

 

APR*

Payment/$1000***

61 Month Balloon

7.40%

$10.50***

*** Loan amortization maximum is  144 months, reduced by 12 months for each year, 
down to 7 years.  Payment is based on 144 month amortization. 

• Loan Exception - Additional .5%          * APR = Annual Percentage Rate

 
Savings Secured Loan
3.00% Over Dividend Rate
(Dividend rate as of the last declaration date of the pledged account at time of loan closing)

 

Unsecured Loans

36 Month

10.75% APR*

**$32.62 Payment/$1000

 

Line of Credit Loans

Variable Kwik Cash 8.50% APR*
Master Card/Visa 13.90% APR*

 

 

.25% Discount 
Available for having your loan repaid by payroll deduction or direct deposit.
 

 

 

 

 

 

Real Estate Loans
Purchase • Refinance • Home Equity

Real Estate Balloon Loans

Term

First Mortgages or Equivalent

Payment/$1000 ^

Second Mortgages

Payment/$1000 ^

 

APR *

 

APR*

 

Owner Occupied

61 MO

3.90%

$4.72♦

4.25%

$7.53♦♦♦ 

Second Home

60 MO

3.90%

$4.72♦

4.25%

$7.53♦♦♦

Non-Owner Occupied & Vacant Land

24 MO

3.90%

$6.01♦♦

4.25%

$7.53♦♦♦ 

36 MO

4.15%

$6.14♦♦

4.45%

$7.63♦♦♦ 

60 MO

4.30%

$6.22♦♦

4.60%

$7.71♦♦♦ 

   ♦  30 year Amortization
  ♦♦ 20 year Amortization
♦♦♦ 15 year Amortization
 *APR is annual percentage rate
^ Monthly payment is based on principal and interest payment per $1000 for rate & term

Individual credit score may affect posted rate

 

Construction Loan

1.99% APR*

Line of Credit Loans

REAP Loans (variable)

4.25% APR*

REAP Loans (fixed)

4.50% APR*

 

Long Term Fixed Mortgages
Saleable Loans

10 Year

Purchase or Refinance

15 Year

Purchase or Refinance

20 Year

Purchase or Refinance

30 Year

Purchase or Refinance

Phone: 920.898.4232 for current rates

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Rates may change without further notice.

Loan rates effective:12/21/2015

 

 

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